Where can you use your points? Loyalty Transfer helps calculating points from flexible programs, such as Chase Ultimate Rewards and American Express Membership Rewards into recipient partner programs. Program ratios change often without notifying the user, including temporary bonuses on transfers. Use the Outbound option for this.How many points do you need to transfer? Additionally, you may know where you need points and how many you need, but you may not know which flexible points program will give you the best transfer rate. Use the Inbound option for this.Each time you start the application, the latest rates will download from the Internet. No connection? In-flight? No problem, the latest rates downloaded will be used.More programs will be added soon!